Claim News & Alerts

The NHC hurricane warning for the Florida Panhandle started Florida's hurricane deductible period. What the deductible costs, when your claim is due, and what the insurer owes you.

FLOIR data: 34.8% of Milton claims and 32.3% of Helene claims, all lines, closed without payment; below deductible was the top reason. Four denial documents on file.

Notice windows, supplemental windows, the 60-day pay-or-deny clock, and the 5-year suit deadline for Ian, Idalia, Debby, Helene, and Milton. Ian's dies first.

NOAA calls for a below-normal season and the Atlantic is quiet. That is build time, not safe time: 60% of an average season arrives after the Sept. 10 peak.

When a carrier denies or underpays, you usually have more than one path. Here's how appraisal, mediation, and litigation differ, and where each one fits.

Season runs June 1 to November 30. Beyond the forecasts, the things that actually affect a claim are your policy details, and they're best checked before a storm, not after.

Reciprocal insurance exchanges now write a growing share of Florida policies. They're a legitimate structure, but 'safe' depends on financial strength and claims handling, which you can check.

Citizens is Florida's insurer of last resort, and the state actively moves policies off its books into private carriers. Here's how depopulation works and what a takeout offer means for you.

Many Florida insurers carry a Demotech rating rather than an AM Best one. Here's what each rating measures, why the difference exists, and what it can and can't tell you.

The evidence that decides a claim is usually created in the first hours. A simple, repeatable photo method captures it before cleanup destroys it.

Florida limited and then largely ended residential AOB agreements. Here's what an assignment is, what changed, and what it means when a contractor asks you to sign one.

Florida regulators say 20 property carriers have entered the market since the 2022-2023 reforms, many of them a newer structure: the reciprocal exchange. Here's what that means for your policy and your claim.

Florida cut the window to report a hurricane claim in half. Here's how the deadlines work now, and why a claim you already filed can still have options after they pass.

The single most common surprise after a Florida or South Carolina storm: the hurricane deductible is a percentage of your home's insured value, not the flat dollar amount you pay for everything else.

If replacement shingles or tiles don't reasonably match what's already there, some states require the carrier to make things uniform, sometimes a full slope or roof.

The one-year notice window on the 2024 storms has closed. That doesn't end a claim you already filed, here's what remains open, and what doesn't.

Florida's My Safe Florida Home program funds inspections and matching grants for wind-hardening. Here's how it works and how mitigation connects to your insurance premium.

Your policy likely has two deductibles: a flat one for everyday claims and a percentage one for hurricanes or named storms. Here's how they differ in Florida and South Carolina.

The NAIC complaint index is a public number that compares how many complaints an insurer gets to its market share. Here's how to read it, and what it does and doesn't prove.

A public adjuster negotiates the claim amount; an attorney handles coverage denials and legal remedies. Knowing which problem you have points to which one you need, or whether you need either yet.

South Carolina gives policyholders a bad-faith remedy and, in some cases, attorney fees when an insurer refuses to pay without a reasonable basis. Here's the plain-English version.

Rain inside the house after a storm is sometimes covered and sometimes excluded. The deciding factor is usually whether wind made an opening first.

SB 2-A (Dec. 2022) removed one-way attorney fees in residential and commercial property suits; HB 837 (2023) repealed § 627.428. How that changes a denied claim.